租房投资模拟器
对比买房自住与租房+投资 30 年财富走势，找到更适合你的策略。
买房自住
$800,000
$160,000
6.2%
5%
租房投资
$2,400
3%
$600,000
$120,000
4.5%
5.5%
30 年
📈 30 年净资产对比
租房投资净资产
$3,471,483
买房自住净资产
$3,420,125
🏆 租房投资更优
+$51,358
🤖智能洞察（即将推出）即将推出
系统将根据您的输入数据，用母语生成个性化财务分析和建议。例如：“按您目前收入水平，租房投资策略每月可多产生约 $300 现金流……”
💡 快速提示
- • 澳洲平均房产增值率约 5-7%/年
- • 悉尼平均租金收益率约 3-4%
- • 首付低于 20% 可能需要支付贷款保险
- • 投资房贷款利率通常高 0.3-0.5%
🧮 其他计算器
💰负扣税估算器即将推出
🏷️印花税计算即将推出
📊借贷能力测试即将推出
Rentvesting Calculator Australia (2026 Guide)
Last updated: February 20, 2026
This calculator compares the 30-year wealth impact of two strategies: buying a home to live in versus renting where you live and buying an investment property elsewhere.
How to interpret results
- Set realistic growth, rent, and interest assumptions.
- Review net wealth curves across the full horizon.
- Compare after-cost cashflow resilience, not only final value.
- Stress test with lower growth and higher rates.
Data sources
- ATO reference materials for tax context
- APRA and public lender guidance for credit context
- Public market data for growth and rent assumptions